Ways to minimise risk in P2P

As it has now become clear that valuers are not to be trusted I am ceasing to invest with platforms offering loans with property as security as I don't want to spend the time needed to assess individual loans.   I am also avoiding loans with defaults which take years to get any recovery, so I find myself leaving the British platforms and investing more in several European ones where defaults are generally bought back with full interest.   Whether the platform risk is greater for those is difficult to assess, so we will see if the returns continue at double figures or maybe there will be some sort of problem lurking.